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Life Insurance For Expats: Learn Your Options Here [Rates Revealed]

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In This Article, I’m Going To Talk How To Get Life Insurance As An Expat

You’re an expat from your home country. You’ve moved out from where you reside in your own country. You have an obligation or financial requirement to carry life insurance for yourself. You’re wondering if you can get life insurance coverage as an expat, according to your country of origin. You’re looking for more information on how that’s possible. You’ve found the right article.

Why do expats buy life insurance? How do they go about it? Here we will cover the main reasons why expats buy life insurance coverage.

We’ll talk about the potential restrictions you may experience as an expat. We’ll identify what challenges you may face in seeking life insurance coverage. We’ll talk about what types of life insurance coverage are available to you as an expat.

Today’s Topic Overview:

Why do expats buy life insurance?

Usually, it’s to cover financial obligations that may come about if one passes away in an untimely mannerHere follow the major reasons why life insurance is purchased by expats. This will help better identify the main reasons why you may need a life insurance policy on yourself.

1. Buy/Sell Arrangement

Many expats look for life insurance because they have existing business relationships in their home country. Sometimes these business relationships are partnerships or multi-partner entities. Say that one of the partners in the organization were to pass away. It would have immediate and profound implications for the continuity of the business. Herein lies the problem, especially if you’re a smaller organization.

A buy/sell arrangement is a legal document that explains buyout procedures if one of the partners were to pass. That document will spell out how to fund the financial requirements to buy out the business.

A common route that organizations will go to finance the buyout is getting financing. But banks may look at your business from a different standpoint. A key partner passing may have immediate implications on your capability to achieve financing. That would have an immediate profound impact on the ability of the business to continue. And it’s not just about achieving financing from a bank. It’s also how the business itself changes with key partners gone.

A key partner passes away. Their job was directly involved with vendors and relations with clients. Wouldn’t that would have an immediate and direct impact on the business itself?

These are all disturbing questions. They must be asked before deciding exactly how to fund a buy/sell agreement. With these types of arrangements, you can easily create a market and fund financing to buy out the other partner.

Even if you’re an expat with this arrangement and circumstance, you can buy a life insurance policy to cover funding for the buyout arrangements.

2. As Income Replacement

Expats are just like the rest of us that still live in the country in which we were born. They have businesses. They depend upon an income to take care of their family.

What happens if you pass away earlier than expected? That income you earn will cease to exist. Now your family has to make up for it somehow. They might have to distribute or liquidate assets to raise cash to pay for expenses or to downsize from your lifestyle.

There are all sorts of problems that may occur from not having your income. This is where a life insurance policy comes in handy. A life insurance policy can pay an expat family a lump sum death benefit.

The family can rest assured that they will have an amount of money that will finance expenses. They can pay for additional considerations in the future, such as funding for retirement, college planning, and so forth.

Life insurance is a great way to replace your income, loans, and indemnification. Do you have a business loan? Do you have a mortgage? Do you have a financial arrangement? If you pass away is that obligation is left to a business or to your family?

If the financer is requesting insurance against your early demise, then a life insurance policy is the perfect solution. It will pay off the debt if you happen to die before the debt has actually paid off.

Life insurance policies are available in small sizes in order to account for these type of loan indemnification programs. They are available if you live outside of your country as an expat.

Do you have an estate that you’re leaving behind? Are you concerned about taxes having an impact on what can be left behind? Do you have a lot of hard assets that are potentially difficult to liquidate if you pass away?

The tax authority could come after a large portion of the hard capital assets of your network, forcing you into liquidation. You’ll get pennies on the dollar in order to come up with enough to satisfy what is required. Life insurance is the perfect solution to provide money upon your passing to pay off any sort of estate requirements.

Curious what your personal rate might look like each month? Give us a call for a free, no obligation quote at (888) 626-0439. You can also send us a request via our message box and we will be in touch within 24 business hours.

Top 5 reasons why people buy life insurance from a broker

1.Want the best rates
For those who are looking to save money or simply want to meet a particular budget, working with a broker is a great idea.
Brokers are able to shop among a number of competitive companies to get the best overall deal on price.

2.Wants the most coverage
In conjunction with getting the best price, brokers can also find the best coverage. Unlike agents who are limited to only one product, brokers have access to many different companies and can therefore offer the best overall option for coverage.

3.Wants client-focused service
The thing that sets brokers apart from agents is our client focus. We are not trying to sell one single product, therefore we are able to concentrate more on what the client needs and wants so that we can find something to match their goals. 

4.Bias reduction
When you work with someone who has access to multiple options, bias is often reduced considerably. Every individual is unique, and having access to a number of providers helps us open up the door for clients who may be harder to insure. e.

5.Appreciates options
We’ve mentioned options several times, and that’s because options are at the heart of working with a broker. Options matter – they make all the difference in the world to the consumer. They mean a better price and better coverage, which ultimately is what every client wants. 

Types of life insurance available

There are many types of life insurance available to an expat. Which type and which amount of coverage will you purchase? It depends upon your individual goals.

Here I’ll describe the most common types of life insurance that an expat can purchase. I’ll tell you their pros and cons.

Term life insurance coverage

One of the most popular life insurance plans that expats purchase is term insurance. You’ve probably heard a lot about term insurance. You’ll see any sort of advertisements on the internet or on television, they’re endless in their supply.

Term insurance, in short, is temporary insurance. It’s designed to cover for a period of time, typically 10, 15, 20, or 30 years. It’s a set amount of coverage at a level premium.

This means that you pay the same premium for whatever period of time you purchase. If you pass away during that time, that amount of coverage is paid to whomever your beneficiary is. It could be a corporation, surviving partner, your family, or your estate.

The upside of term insurance is that it’s the cheapest amount of coverage you can get. The downside is that the insurance is temporary. You may actually outlive it. You can reach the point where you’ve exceeded the amount of time in which the coverage is enforced.

Many people choose to buy term insurance because it provides a death benefit for a temporary obligation. Best examples include:

  • Income replacement. You work and save for retirement and fear dying before retirement is reached.
  • Loan indemnification for things such as mortgages, capital loans, or business loans.

Term Life Insurance Coverage – 10 Year Term – $100,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $250,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $500,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $1,000,000 in Coverage

I hope you are enjoying the article so far. If you have specific questions or would like to find out what you might qualify for, please call us at (888) 626-0439 or send us a request using our message box. You will speak to an expert in the field who will be happy to explain your options and answer any questions you might have.

Case study examples

Expat Homeowner

We often hear from expats who are looking to get life insurance for a variety of reasons. One such couple recently got in touch after having bought their first home. They were concerned about how mortgage payments would be managed if one of them were to pass away unexpectedly. We sat down to talk about different term insurance option and the wife shared that she was concerned her rates would be high because she had high blood pressure.

She was taking medication to regulate the problem and had heard this could cause a rate increase. I assured her I would do my best to find coverage that met their budget.

After looking at a number of providers I was able to provide each individual with an affordable, high quality plan that met their mortgage needs. They were very pleased with the result.

While I can’t promise the same outcome for every individual who wants to cover their mortgage payments, we work hard to shop among a number of providers that give you the best chance at getting quality coverage.

Type 1 Diabetes

A young man gave us a call after the birth of his daughter. He was looking to get life insurance on himself with his primary concern being that his wife was not working and if anything happened to him, she would struggle to cover their monthly expenses.

Income replacement is a pretty common goal for those seeking life insurance. I was happy to look into coverage for this gentleman. But there was only one problem.

He had suffered from type 1 diabetes for most of his life and was currently taking up to 100 units of insulin a day. Some providers are hesitant to insure those with diabetes, which often causes high rates. I looked at a number of options and was pleased to find coverage that met his budget. Though I can’t promise the same outcome for every similar case, we do give our clients the best opportunity to get affordable coverage in place since we are able to shop among a number of providers.

Permanent Life Insurance

Unlike term insurance, permanent life insurance is designed to be permanent. If you select a permanent whole life insurance plan the premiums will remain level.

The coverage can never cancel due to age or health. You’re assured that the payment will be there upon your passing, no matter when that may happen. People buy permanent insurance plans to cover things such as final expenses or estate obligations.

Consider permanent life insurance if you have a permanent need. Understand that the pricing is going to be substantially higher than that which you may find with other types of insurance products.

Rates For $10,000 In Burial Insurance

Rates For $25,000 In Burial Insurance


$150,000 Whole Life Insurance, Life Pay

$250,000 Whole Life Insurance, Life Pay

Stories from the field

In my work as a life insurance broker I have had many memorable experiences. Some of them have left a particular impact on me, as they have reminded me of the importance of getting quality life insurance.

This particular story is  one that has stuck with me. I got a referral from my dad who also worked in insurance for a while, for a Mr. Jones, a retired school teacher and veteran who was 85 years old. Mr. Jones wanted to buy more life insurance because he had recently gotten remarried and he wanted to leave his wife and kids with some extra money to take care of his final expenses.

There was only one problem. Mr. Jones had experienced a series of strokes later in life and was taking blood thinners to prevent further trouble. He was aware this could prevent him from getting affordable coverage, but he came to us hoping we could find something that would be within his budget.

After doing a health analysis with him I determined that we were able to qualify him for several different types of  life insurance plans at preferred rates and we were able to provide first day full coverage for natural and accidental causes.

This was important because Mr. Jones, like myself, was well aware that there were life insurance companies out there, such as those that advertise on TV or in the mail, that claim to be quality plans when in reality they require that you undergo a 2 to 3 year wait period for coverage.

Needless to say, he was enthralled that he was able to qualify for first day, full coverage despite his health history and made sure to max out the amount of coverage that he felt comfortable with to satisfy his life insurance goals to protect the people he loved.

This all happened on a hot day in May. By Thanksgiving I got word that Mr. Jones had passed away due to heart failure. It was sad news, but at the same time I was so happy that we were able to pay out his death claim in full to his family. 

I was well aware that had Mr. Jones gone for coverage that didn’t give him protection from day one, his family would not have benefitted from the policy. The moral of the story is to be aware that though we don’t like to think about it, death can come at any moment and it is best to be prepared witih first day coverage. 

I have seen first hand what a different life insurance can make in the lives of loved ones left behind. I’ve also seen the tragedy of insurance that doesn’t pay out due to death occurring within a wait period where coverage is not yet in affect.

That’s why it’s so important to work with a broker like us at Buy Life Insurance for Burial. We do our best to get you quality coverage that is in affect from day one.

What are the potential restrictions for expats when applying for coverage?

Let’s talk about some of the restrictions you may face if you apply for life insurance as an expat.


Health is a major factor in figuring out whether you can qualify for life insurance coverage. This is the same for an expat. The life insurance company will ask all sorts of health questions related to your health.

Factors include, but are not limited to, issues or histories of lung disease, diabetes, blood pressure, drug use, heart problems, neurological problems, kidney or liver problems, and mental health issues.

Be prepared to answer a variety of questions. It all affects your eligibility for coverage. Expect to have to go through an exam as well.

The amount of coverage you can qualify for depends on which country you live in currently and in which country you apply for life insurance. There will be limitations. You may experience a higher than normal minimum of coverage. The reason for these restrictions is that life insurance companies desire to limit their risk.

Country of residence as an expat

Yes, your country of residence may have an impact on your eligibility to apply for life insurance. As an expat, there are several countries that you could live in where life insurance companies are not going to insure you.

If you find yourself in one of these countries that do limit the options for coverage you may want to look at high-risk coverage. This is available through Lloyd’s of London or another company like that. If this fits you, feel free to reach out to us here at We can help you find insurance coverage as an expat.

Thanks for reading, and I hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

Next steps

If you’re interested in qualifying for life insurance as an expat, visit my website. You can go to and grab a free quote.

I do ask that you message me first. You can do that by clicking the contact box; the one at the top or the bottom, and send me a quick message. Or just call me. The best way to reach me is (888) 626 0439, and speak with me live.

I hope this article has been useful in your search for more information about getting life insurance as an expat. We never know when death might occur, so it’s smart to have something on the books as soon as possible, even if you are in good health.

If you would like to find out what you might qualify for, please call us at (888) 626-0439 for a free quote. Alternatively you can also send a request using our message box.

Thanks for reading.


We work with individuals across the nation to secure the best life insurance rates.

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